TellerScore

Champlain National Bank (FDIC certificate #7356) is based in Elizabethtown, New York. Its Q2 2026 call report shows $497.1M in total assets and $443.9M in deposits and 10 offices.

Champlain National Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 38th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (56/100, 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.87%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 72.7% · 37.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.97%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the capital cushion component improved by 8 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202465
Q1 202566
Q2 202567
Q3 202568
Q4 202571
Q1 202669
Q2 202671
Tier 1 leverage ratio
5.00%7.94%10.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 20249.78%
Q4 20249.98%
Q1 20259.85%
Q2 202510.08%
Q3 202510.21%
Q4 202510.56%
Q1 202610.70%
Q2 202610.87%
Noncurrent loans
0.01%0.13%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.01%
Q4 20240.22%
Q1 20250.19%
Q2 20250.11%
Q3 20250.22%
Q4 20250.04%
Q1 20260.25%
Q2 20260.25%
Return on assets
0.53%0.71%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.56%
Q4 20240.53%
Q1 20250.64%
Q2 20250.70%
Q3 20250.77%
Q4 20250.82%
Q1 20260.81%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$497.1M10.87%0.25%0.90%72.7%
Q1 202669$500.2M10.70%0.25%0.81%72.9%
Q4 202571$485.8M10.56%0.04%0.82%77.6%
Q3 202568$508.1M10.21%0.22%0.77%72.8%
Q2 202567$489.3M10.08%0.11%0.70%78.5%
Q1 202566$496.6M9.85%0.19%0.64%72.2%
Q4 202465$473.7M9.98%0.22%0.53%78.1%
Q3 202467$510.4M9.78%0.01%0.56%73.5%
Q2 202467$476.1M10.26%0.15%0.57%81.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.87%
48th
Total risk-based capital0.00%
24th
Problem loans0.25%
61st
Net charge-offs0.01%
46th
Return on assets0.90%
28th
Net interest margin3.67%
35th
Efficiency ratio71.6%
26th
Loans to deposits72.7%
65th
Uninsured deposits37.5%
13th
Loan-loss reserves1.05%
32nd
Texas ratio2.0%
58th

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Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Piermont BankBank New York, NY62 out of 100, Moderate$505.1M12.7%0.00%vs
Wallkill Valley Federal Savings and Loan AssociationBank Wallkill, NY68 out of 100, Moderate$485.0M9.2%0.00%vs
Rondout Savings BankBank Kingston, NY64 out of 100, Moderate$512.0M9.8%0.19%vs
Cross County Savings BankBank Middle Village, NY56 out of 100, Moderate$525.4M12.8%2.21%vs
The Berkshire BankBank New York, NY55 out of 100, Moderate$530.0M24.2%12.68%vs

Deposit insurance

Is my money safe at Champlain National Bank?

Yes. Champlain National Bank is an FDIC-insured institution (FDIC certificate #7356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.5% of deposits ($166.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Champlain National Bank lists 10 offices in 9 cities. Most locations:

  • Plattsburgh, NY (2)
  • Champlain, NY (1)
  • Crown Point, NY (1)
  • Elizabethtown, NY (1)
  • Keene, NY (1)
  • Lake Placid, NY (1)
  • Saranac Lake, NY (1)
  • Westport, NY (1)
  • Willsboro, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Champlain National Bank
Former names
Essex County-Champlain National Bank; The Lake Champlain National Bank of Westport; Essex County-Champlain National Bank, Willsboro
Type
National bank
FDIC certificate #
7356
RSSD ID
126012
Primary regulator
OCC
Holding company
Champlain Bank Corp
Established
January 1, 1934
Headquarters
7558 Us Route 9, Elizabethtown, NY 12932
Employees
75

Quick answers

Champlain National Bank: common questions

Is Champlain National Bank FDIC insured?

Yes. Champlain National Bank is an FDIC-insured institution (FDIC certificate #7356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Champlain National Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Champlain National Bank ever failed?

There is no failure record for FDIC certificate #7356 in the FDIC failed bank list.

How many branches does Champlain National Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elizabethtown

InstitutionScoreAssetsCapitalProblem loansCompare
The National Bank of MiddleburyBank Middlebury, VT74 out of 100, Strong$553.5M9.9%0.15%vs
Eastrise Federal Credit UnionCredit union Williston, VT73 out of 100, Strong$3.2B12.3%0.60%vs
Vermont Federal Credit UnionCredit union So Burlington, VT69 out of 100, Moderate$1.1B10.8%0.47%vs
Northfield Savings BankBank Northfield, VT68 out of 100, Moderate$1.6B11.0%0.52%vs
Trailnorth Federal Credit UnionCredit union Ticonderoga, NY66 out of 100, Moderate$179.6M9.8%0.84%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs